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WeWa Unionpay Diamond Card

Latest OfferSponsored Product
Latest Offer:
One set of Round-trip Standard Seat Flight Tickets for One Passenger to Japan (Osaka or Okinawa) as welcome offer
Join “Shake to Win II” Lucky Draw to win prizes
Join “Shake to Win II” Lucky Draw to win prizes

Features

Eligible Retail Purchase Transactions requirements Welcome offer
(Choose 1 from 4)
Eligible Retail Purchase Transactions over HK$12,000 within 90 days from the card issuing date One set of Round-trip Standard Seat Flight Tickets for One Passenger from Hong Kong to Japan (Osaka or Okinawa)* with HK$100 Hotel Voucher
Eligible Retail Purchase Transactions over HK$8,500 within 90 days from the card issuing date HK$600 Häagen-Dazs™ Gift Voucher
Eligible Retail Purchase Transactions over HK$8,500 within 90 days from the card issuing date HK$500 cash rebate
No spending requirement Up to HK$90,000 interest-free and handling fee-free Cash instalment program

* Include a personal round-trip baggage for up to 20 kg of baggage and pre-selected standard guest rates;
Departure date is from 15 May 2019 to 31 March 2020 (Not applicable for designated tourist season)

Airlines include Hong Kong Airlines, Letao Airlines, Air India or Hong Kong Express Airways
Cardholders will be entitled to 1 Lucky Draw chance in “Shake to Win II” via OmyCard mobile application upon they make single eligible retail transaction of HK$400 or above from 1 March to 31 August 2019 with WeWa credit card.

Prizes include:

  • From 5% to 50% Single Transaction Rebate
  • Godiva e-Voucher
  • 4 Days MSIG Travel Insurance
  • Prestige Prizes: HK$100,000 WeWa card spending credit (only 1 winner)
WeWa Cash Rebate: HK$10 cash rebate for every HK$250 Spending within specific categories (Travel, Cinema, Karaoke, Theme park) (4%cashback); HK$1 cash rebate for every HK$250 Spending within other categories
During the promotional period of “Shake to Win II”, each card account can enjoy a maximum 1 Lucky Draw chance respectively for the first eligible retail transaction or the first eligible cash advance transaction each day. Trade Promotion Competition Licence: 51768-70

For the details of the terms and conditions, please visit WeWa Credit Card.

Welcome offer only applies to new applicants who successfully apply WeWa UnionPay Diamond Card during the promotional period from 1 March to 31 August 2019 (Both dates inclusive)
The promotional period of a set of round-trip standard seat flight tickets for one passenger from Hong Kong to Japan (Osaka or Okinawa) with HK$100 Hotel Voucher is from 15 May to 31 August 2019
click here for more information

Promotions and Terms and Conditions

Welcome Offers
OPTION 1
One set of Round-trip Standard Seat Flight Tickets for One Passenger from Hong Kong to Japan (Osaka or Okinawa) with HK$100 Hotel Voucher

Eligible Retail Purchase Transactions over HK$12,000 within 90 days from the card issuing date


OPTION 2
HK$600 Häagen-Dazs™ Gift Voucher

Eligible Retail Purchase Transactions over HK$8,500 within 90 days from the card issuing date


OPTION 3
HK$500 Cash Rebate

Eligible Retail Purchase Transactions over HK$8,500 within 90 days from the card issuing date


OPTION 4
Up to HK$90,000 Interest-free Adminitration fee-free Cash Instalment Plan

No Spending requirements


APR/Fees

APR
Minimum Payment
HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Late payment charge
Minimum Payment Due or HK$250 (whichever is lower)
Retail Purchase APR
31.58%
Cash Advance APR
37.07%
Interest Free Repayment Period
53 days
Fees
Annual fee
$ 800

Eligibility

Minimum Age
18 years old
Min. Annual Income
$150,000

EarnMORE Unionpay Diamond Card

Latest OfferSponsored Product
Latest Offer:
OTO Qseat foot massager as welcome offer
2% cash rebate for Octopus Automatic Add Value Service
3 complimentary visits to the Plaza Premium Lounges at airport
2% cash rebate for Octopus Automatic Add Value Service
3 complimentary visits to the Plaza Premium Lounges at airport

Features

Qualified spending requirements Welcome offer
(Choose 1 from 4)
Qualified retail spending over HK$8,500 within the first 90 days of card issuance
Fee: HK$200 each month x 3-month installment
OTO Qseat foot massager
Qualified retail spending over HK$8,500 within the first 90 days of card issuance HK$600 Häagen-Dazs™ coupon
Qualified retail spending over HK$8,500 within the first 90 days of card issuance HK$500 cash rebate
No spending requirement Up to HK$90,000 interest-free and handling fee-free Cash instalment program
Extra HK$100 cash rebate for successful online applications
Apply Octopus Automatic Add Value Service using EARNMORE credit card to enjoy 2% cash rebate at every reloading
2% cash rebate (1% basic + 1% extra rebate) on year-round spending; cap for the 1% extra cash rebate during 1 January - 31 December 2019; the cash rebate will be deposited in next credit card statement
Exemption of foreign transaction fees
Annual fee waiver for the first 2 years
Welcome offer only applies to new applicants who successfully apply EarnMORE Unionpay Diamond Card during the promotional period from 1 January to 31 December 2019 (Both dates inclusive)

Promotions and Terms and Conditions

Welcome Offers
OPTION 1
OTO Qseat foot massager

Qualified retail spending over HK$8,500 within the first 90 days of card issuance + Fee: HK$200 each month x 3-month installment


OPTION 2
HK$600 Häagen-Dazs™ coupon

Qualified retail spending over HK$8,500 within the first 90 days of card issuance


OPTION 3
HK$500 cash rebate

Qualified retail spending over HK$8,500 within the first 90 days of card issuance


OPTION 4
Up to HK$90,000 interest-free and handling fee-free Cash instalment program

No spending requirement


APR/Fees

APR
Minimum Payment
HK$50 or the aggregate amount of all the following items (whichever is higher): (i) All finance charges and other fees & charges billed; (ii) 1% of statement balance excluding all finance charges and other fees & charges); (iii) Outstanding Minimum Payment Due (when applicable); and (iv) Total over-the-limit amount (when applicable)
Late payment charge
HK$250 or an amount equivalent to the minimum payment stated on the monthly statement (whichever is lower)
Retail Purchase APR
44.55%
Cash Advance APR
47.32%
Interest Free Repayment Period
53 days
Fees
Annual fee
$ 800

Eligibility

Minimum Age
18 years old
Min. Annual Income
$150,000

Standard Chartered UnionPay Dual Currency Platinum Credit Card

MoneyHero.com.hk Exclusive OfferSponsored Product
MoneyHero.com.hk Exclusive Offer:
Up to HKD 1,182 welcome rebate
First Year Annual Fee Waiver
First Year Annual Fee Waiver

Features

From 1 March to 2 July 2019, New Cardholders who submit the Standard Chartered UnionPay Dual Currency Platinum Credit Card application through online channel and fulfill relevant requirements can enjoy HKD600 cash rebate. New Cardholders can get HKD800 cash rebate by applying for the Standard Chartered Platinum Credit Card in the same online application and fulfilling the relevant requirements
Top-up Offer: HKD100 CashBack
  • After receiving the newly approved Standard Chartered UnionPay Dual Currency Platinum Credit Card, New Cardholders who newly sign up for Online Banking and complete the first login within the first 2 months from the date of card issuance can get extra HKD100 CashBack.
  • You only need your Phone Banking Card Number (the 16-digit of the Credit Card Number), TIN and mobile phone to sign up for Online Banking. For Online Banking registration demonstration, please visit Standard Chartered Bank (Hong Kong) Limited website.
  • If you forget your Username or Password after registration, you may reset with your Phone Banking Card Number (Standard Chartered UnionPay Dual Currency Platinum Credit Card) and TIN again.
Note:
The top-up offer is only applicable to New Cardholders who have never signed up for Online Banking with the Bank on or before 28 February 2019.
MoneyHero.com.hk Exclusive reward of HKD250 supermarket coupon is only applicable to new customers. New customers to redeem the rewards from MoneyHero.com.hk, please send your card face to coupon@moneyhero.com.hk for verification and follow-up. For the details of the redemption step, please refer to here
For your information security, please cover your private information, such as credit card number and expiry date, but leave your name and reference number to verify that your application has been approved.
Promotional period: 1 to 30 June 2019
Terms and conditions apply

Promotions and Terms and Conditions

MoneyHero.com.hk Exclusive Offer
HK$250 supermarket cash coupon

From 1 to 30 June 2019, both days inclusive, for new customers successfully applying through MoneyHero.com.hk

Welcome Offers
OPTION 1
HKD600 cash rebate (apply for Standard Chartered UnionPay Dual Currency Platinum Credit Card only)
  • The welcome offer is only applicable to New Cardholders who submit the Standard Chartered UnionPay Dual Currency Platinum Credit Card and/or Standard Chartered Platinum Credit Card application through online channel during the period from 1 March to 2 July 2019 (both dates inclusive) and fulfill relevant requirements. New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current application for a principal card of the Standard Chartered Credit Cards
  • To be eligible for the HKD800 cash rebate welcome offer, New Cardholders must submit one application form to apply for both Standard Chartered UnionPay Dual Currency Platinum Credit Card and Standard Chartered Platinum Credit Card. If the New Cardholder can only successfully apply for, and being issued with, the principal card of either Standard Chartered UnionPay Dual Currency Platinum Credit Card or Standard Chartered Platinum Credit Card and fulfill relevant requirements, HKD600 cash rebate will be offered as welcome offer
  • To be entitled to the welcome offer, New Cardholders are required to accumulate eligible transactions of HKD8,000 or above
  • Eligible transactions are local and overseas retails transactions, online purchase or posted amount of instalment purchase (Posted amount of instalment purchase is not applicable to UnionPay Credit Card) made within the first 2 months from the date of issuance of the firstly approved card. Eligible Transactions made with Standard Chartered UnionPay Dual Currency Platinum Credit Card and Standard Chartered Platinum Credit Card will be counted collectively (if applicable)
  • Terms and conditions apply to the welcome offer, please refer to Standard Chartered Bank (Hong Kong) Limited website for details

OPTION 2
HKD800 cash rebate (apply for Standard Chartered UnionPay Dual Currency Platinum Credit Card and Standard Chartered Platinum Credit Card)
  • The welcome offer is only applicable to New Cardholders who submit the Standard Chartered UnionPay Dual Currency Platinum Credit Card and/or Standard Chartered Platinum Credit Card application through online channel during the period from 1 March to 2 July 2019 (both dates inclusive) and fulfill relevant requirements. New Cardholders are applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited in the past 6 months from the date of approval of their current application for a principal card of the Standard Chartered Credit Cards
  • To be eligible for the HKD800 cash rebate welcome offer, New Cardholders must submit one application form to apply for both Standard Chartered UnionPay Dual Currency Platinum Credit Card and Standard Chartered Platinum Credit Card. If the New Cardholder can only successfully apply for, and being issued with, the principal card of either Standard Chartered UnionPay Dual Currency Platinum Credit Card or Standard Chartered Platinum Credit Card and fulfill relevant requirements, HKD600 cash rebate will be offered as welcome offer
  • To be entitled to the welcome offer, New Cardholders are required to accumulate eligible transactions of HKD8,000 or above
  • Eligible transactions are local and overseas retails transactions, online purchase or posted amount of instalment purchase (Posted amount of instalment purchase is not applicable to UnionPay Credit Card) made within the first 2 months from the date of issuance of the firstly approved card. Eligible Transactions made with Standard Chartered UnionPay Dual Currency Platinum Credit Card and Standard Chartered Platinum Credit Card will be counted collectively (if applicable)
  • Terms and conditions apply to the welcome offer, please refer to Standard Chartered Bank (Hong Kong) Limited website for details

APR/Fees

APR
Minimum Payment
All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$220, whichever is higher
Late payment charge
EITHER 5% of the Outstanding Balance (subject to a minimum cap of HK$/CNY220 and a maximum cap of HK$/CNY350) OR the Minimum Payment Due, whichever is lower
Retail Purchase APR
35.7%
Cash Advance APR
39.09%
Interest Free Repayment Period
Up to 56 days
Fees
Annual fee
$ 1,800
Foreign Currency Transaction Fee
Waived

Eligibility

Minimum Age
18 years old
Min. Annual Income
$96,000

HSBC UnionPay Dual Currency Card

Latest Offer
Latest Offer:
Successfully apply online to enjoy up to $900 RewardCash
Year-round spending rewards up to 4.4 RewardCash rebate (equivalent to HK$2.3 per air mile)
Extra 20% off discount at Wifi BB
Year-round spending rewards up to 4.4 RewardCash rebate (equivalent to HK$2.3 per air mile)
Extra 20% off discount at Wifi BB

Features

Spending requirements Welcome offer
Spend over HK$/RMB 6,000 or above within first 60 calendar days from the issuance of credit card New Customers: $800 RewardCash
Existing Customers: $400 RewardCash
Successfully settled credit card statement or eligible transaction via “Pay with RC” function in HSBC Reward+ Mobile App within the first 60 calendar days from the issuance of the credit card $100 RewardCash
  New Customers can enjoy up to $900 RewardCash
Extra 20% off discount at Wifi BB.
Year-round spending rewards up to 4.4% RewardCash rebate (equivalent to HK$2.3 per air mile)
Basic Rewards: You can earn $1 RewardCash for every HK$250 (equivalent to 0.4% RewardCash rebate) you spend on a credit card.
Enjoy up to 2.4% RewardCash rebate by registering for "Red Hot Rewards of Your Choice" programme and allocating extra RewardCash to your preferred spending categories.(Promotional period till 31 Dec 2019), i.e, earn up to $6 RewardCash for every HK$250.
Enjoy extra 2% RewardCash rebate by registering for "Red Hot Online & Overseas Spending Rewards" to earn 2% RewardCash rebate on eligible online and overseas transactions. (Promotional period till 31 Dec 2019) , i.e, earn extra $5 RewardCash for every HK$250.
The Welcome Offer Promotional Period is from 4 June 2019 to 19 February 2020
Cardholders could only enjoy the "Red Hot Rewards of Your Choice" by registering before 31 October 2019 among your six preferred spending categories of Dining, Entertainment, Home, Lifestyle, China Spending and Overseas Spending for the first HK$100,000 eligible spending.
Cardholders could only enjoy the "Red Hot Online & Overseas Spending Rewards" by registering in the promotional period and conducted Eligible Transaction(s) with an Eligible Credit Card for a cumulative Net Spending Amount of HK$3,000 or above in each Phase during the Promotional Period. The total maximum amount of extra RewardCash on Eligible Transactions to be awarded to each Cardholder in each Phase is $300 RewardCash.
To borrow or not to borrow? Borrow only if you can repay!

Promotions and Terms and Conditions

Welcome Offers
Up to $900 RewardCash
  • Welcome Gift – $800 RewardCash (for New Customers) / $400 RewardCash (for Existing Customers): Spend over HK$/RMB 6,000 or above within first 60 calendar days from the issuance of credit card
  • “Pay with RC” Reward – $100 RewardCash: Successfully settled credit card statement or eligible transaction via “Pay with RC” function in HSBC Reward+ Mobile App within the first 60 calendar days from the issuance of the credit card

APR/Fees

APR
Minimum Payment
All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit anount (if any)(the minimum amount of Minimum Payment is HK$50).
Late payment charge
Minimum Payment Due or HK$230, whichever is lower
Retail Purchase APR
36.43%
Cash Advance APR
37.75%
Interest Free Repayment Period
56 days
Fees
Annual fee
HK$ 300
Foreign Currency Transaction Fee
1.0%

Eligibility

Minimum Age
18 years old
Min. Annual Income
HK$ 60,000

HSBC UnionPay Dual Currency Diamond Card

Latest Offer
Latest Offer:
Successfully apply online to enjoy up to $900 RewardCash
Year-round spending rewards up to 4.4 RewardCash rebate (equivalent to HK$2.3 per air mile)
Buy 1 get 1 free movie tickets on Friday and Saturday at all Cinema City outlets
Year-round spending rewards up to 4.4 RewardCash rebate (equivalent to HK$2.3 per air mile)
Buy 1 get 1 free movie tickets on Friday and Saturday at all Cinema City outlets

Features

Spending requirements Welcome offer
Spend over HK$/RMB 6,000 or above within first 60 calendar days from the issuance of credit card New Customers: $800 RewardCash
Existing Customers: $400 RewardCash
Successfully settled credit card statement or eligible transaction via “Pay with RC” function in HSBC Reward+ Mobile App within the first 60 calendar days from the issuance of the credit card $100 RewardCash
  New Customers can enjoy up to $900 RewardCash
Up to three visits to participating airport lounges (Spend HK$/MOP 12,000 within two consecutive natural months)
Enjoy airport limousine service at privileged rate of HK$250 per ride
Complimentary Wi-Fi package for free (worth HK$120) at Wifi BB and an extra 20% off discount
Year-round spending rewards up to 4.4% RewardCash rebate (equivalent to HK$2.3 per air mile)
Basic Rewards: You can earn $1 RewardCash for every HK$250 (equivalent to 0.4% RewardCash rebate) you spend on a credit card.
Enjoy up to 2.4% RewardCash rebate by registering for "Red Hot Rewards of Your Choice" programme and allocating extra RewardCash to your preferred spending categories.(Promotional period till 31 Dec 2019), i.e, earn up to $6 RewardCash for every HK$250.
Enjoy extra 2% RewardCash rebate by registering for "Red Hot Online & Overseas Spending Rewards" to earn 2% RewardCash rebate on eligible online and overseas transactions. (Promotional period till 31 Dec 2019) , i.e, earn extra $5 RewardCash for every HK$250.
The Welcome Offer Promotional Period is from 4 June 2019 to 19 February 2020
Cardholders could only enjoy the "Red Hot Rewards of Your Choice" by registering before 31 October 2019 among your six preferred spending categories of Dining, Entertainment, Home, Lifestyle, China Spending and Overseas Spending for the first HK$100,000 eligible spending.
Cardholders could only enjoy the "Red Hot Online & Overseas Spending Rewards" by registering in the promotional period and conducted Eligible Transaction(s) with an Eligible Credit Card for a cumulative Net Spending Amount of HK$3,000 or above in each Phase during the Promotional Period. The total maximum amount of extra RewardCash on Eligible Transactions to be awarded to each Cardholder in each Phase is $300 RewardCash.
To borrow or not to borrow? Borrow only if you can repay!

Promotions and Terms and Conditions

Welcome Offers
Up to $900 RewardCash
  • Welcome Gift – $800 RewardCash (for New Customers) / $400 RewardCash (for Existing Customers): Spend over HK$/RMB 6,000 or above within first 60 calendar days from the issuance of credit card
  • “Pay with RC” Reward – $100 RewardCash: Successfully settled credit card statement or eligible transaction via “Pay with RC” function in HSBC Reward+ Mobile App within the first 60 calendar days from the issuance of the credit card

APR/Fees

APR
Minimum Payment
All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit amount (if any)(the minimum amount of Minimum Payment is HK$50).
Late payment charge
Minimum Payment Due or HK$230, whichever is lower
Retail Purchase APR
36.43%
Cash Advance APR
37.75%
Interest Free Repayment Period
56 days
Fees
Annual fee
HK$ 1,800
Foreign Currency Transaction Fee
1.0%

Eligibility

Minimum Age
18 years old
Min. Annual Income
HK$ 150,000

Hang Seng CUP Credit Card

Perpetual annual fee waiver
Perpetual annual fee waiver

Features

Choose one among three welcome gifts:
(1) HK$600 Expedia Hotel Voucher Code or
(2) $650 Cash Dollars or
(3) Samsonite Pixelon Spinner 69cm
From 1 Jan to 31 December 2018, upon successful registration, you can enjoy 11x Cash Dollars starting from the registration month when you make local spending in department store or medical services with Hang Seng CUP Credit Card.
Applicant who does not own and has not owned any personal Credit Card Principal Card issued by Hang Seng Bank Limited ("Hang Seng") in the past six months, and who is applying for his/her first Hang Seng Credit Card, will be entitled to a 3-year Annual Fee Waiver; otherwise, 1-year Annual Fee Waiver will be offered. Supplementary Card customers can enjoy the same annual fee waiver as the Principal Card customer when applied at the same time.
(1) or (2) New credit card customers who have successfully applied for any of the Designated Credit Cards during the Promotion Period, and fulfilled the Spending Requirements of HK$8,000 within 60 days from the date of new card issuance. (3) New credit card customers who have successfully applied for any of the Designated Credit Cards during the Promotion Period, and fulfilled the Spending Requirements of HK$10,000 within 60 days from the date of new card issuance.
Existing Credit Card Customers can enjoy the welcome offer of $150 Cash Dollars. Apply online / over the phone to get extra $200 Cash Dollars

APR/Fees

APR
Minimum Payment
The Minimum Payment Amount is HK$230 or the sum of item (i) to (iv) below (whichever is higher): (i) all fees and charges (including finance charges and annual fees); (ii) any overdue Minimum Payment Amount; (iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and (iv) 1% of the New Balance after deducting the amount of item (i) to (iii).
Late payment charge
HK$230 or an amount equal to the Minimum Payment Amount (whichever is lower)
Retail Purchase APR
38.37%
Cash Advance APR
34.97%
Interest Free Repayment Period
56 days
Fees
Foreign Currency Transaction Fee
1.2%

Eligibility

Minimum Age
18 years old
Min. Annual Income
$48,000

CNCBI Air China Dual Currency Credit Card

MoneyHero.com.hk Exclusive Offer
MoneyHero.com.hk Exclusive Offer:
Free six-month Birdie 5-GB Plan / Up to HK$660 rebate / Up to PhoenixMiles 4,000KM as welcome gift
HK$200 cash rebate exclusively from MoneyHero.com.hk
Online shopping: $8 = 1 mile, First 3 years annual fee waived
HK$200 cash rebate exclusively from MoneyHero.com.hk
Online shopping: $8 = 1 mile, First 3 years annual fee waived

Features

Qualified spending requirements Welcome offer
(Choose 1 from 3)
Retail spending or cash advances of HK$3,000 or above within the first 3 months of credit card issuance Free six-month Birdie 5-GB Plan (monthly fee: HK$90)
Retail spending or cash advances of HK$3,000 or above within the first 3 months of credit card issuance HK$400 Cash Rebate
Retail spending or cash advances of HKD/RMB3,000 or above within the first 3 months of credit card issuance Up to PhoenixMiles 4,000KM
MoneyHero.com.hk Exclusive Offer: HK$200 Cash rebate
  1. New customers successfully apply CNCBI VISA Platinum Card, CNCBI Air China Dual Currency Credit Card or CNBI Motion Credit Card through MoneyHero.com.hk during the promotion period
  2. Promotion period: 1 to 30 June 2019; and
  3. New customers are entitled to earn up to HK$200 cash rebate (MoneyHero.com.hk Exclusive Offer); and
  4. China CITIC Bank will credit the HK$200 cash rebate into the respective credit card account within 3 months after the card approval month.
Dual Card Application HK$100 Reward Cash Rebate
  1. Successfully applied both CNCBI VISA Platinum Card and CNCBI Air China Dual Currency Credit Card or CNCBI Motion Credit Card and CNCBI Air China Dual Currency Credit Card simultaneously;
  2. Fulfil the related requirements of the promotion; and
  3. Must spend with CNCBI VISA Platinum Card or CNCBI Motion Credit Card (transaction made by CNCBI Air China Dual Currency Credit Card are not included)
Handling Fee Waiver for Overseas Spending: Make your shopping more fun and rewarding with handling fee waiver for spending made in mainland China and overseas
Enjoy LoungeKey Greater China Airport Lounge Benefit: 3 times LoungeKey Airport Lounge service upon fulfilment of spending requirement, covering up to 130 airport lounges over the world
Designated Airport Limousine Transfer Services: Enjoy designated airport limousine transfer services at an exclusive rate of HK$250 per trip by accumulating at least HK$3,000 with no more than two single transactions in eligible retail spending
WiFiBB pocket WiFi rental offer
- Complimentary WiFi package (worth HK$120)
- Exclusive year-round 20% discount on rental
WiFiBB pocket WiFi rental offer details: please refer to www.unionpaypremium.com.hk/unionpay-pocket-wi-fi-rental-offers

Promotions and Terms and Conditions

MoneyHero.com.hk Exclusive Offer
HK$200 Cash rebate

New customers successfully apply CNCBI Air China Dual Currency Credit Card through MoneyHero.com.hk from 1 to 30 June 2019

Welcome Offers
OPTION 1
Free six-month Birdie 5-GB Plan (monthly fee: HK$90)

Retail spending or cash advances of HK$3,000 or above within the first 3 months of credit card issuance


OPTION 2
HK$400 Cash Rebate

Retail spending or cash advances of HK$3,000 or above within the first 3 months of credit card issuance


OPTION 3
Up to PhoenixMiles 4,000KM

Retail spending or cash advances of HKD/RMB3,000 or above within the first 3 months of credit card issuance


APR/Fees

APR
Minimum Payment
All interest and fees and charges including Annual Membership Fee(s) that may be charged, plus 1% of outstanding principal, plus any overlimit anount (if any)(HK$ Account: Minimum Payment is HK$250 ; CNY Account: Minimum Payment is CNY250).
Late payment charge
HKD Account: HK$300 or Minimum Payment, whichever is lower; CNY Account: CNY300 or Minimum Payment, whichever is lower.
Retail Purchase APR
34.49%
Cash Advance APR
36.43%
Interest Free Repayment Period
57 days
Fees
Annual fee
$ 1,800

Eligibility

Minimum Age
18 years old
Min. Annual Income
$150,000

Need some help?

No worries, we've got you covered!

What are the class levels of UnionPay credit cards?

UnionPay credit cards issued in Hong Kong can be classified into 4 levels: classic cardgold cardplatinum card and diamond card, while diamond card is the most premium one.

Cardholders of UnionPay Diamond Card can enjoy free access to Plaza Premium lounge up to 3 times a year and other exclusive offers, such as hotel dining discounts and movie ticket buy 1 get 1 free. Applicants with a minimum annual salary of HK$150,000 are able to apply.

What are the advantages of using a UnionPay credit card?

The main advantage of UnionPay credit cards is “0% foreign currency transaction fee” (other credit cards usually charge around 2%), which allows cardholders to shop oversea without extra cost.

Besides, UnionPay also issues "dual currency credit cards" that can separate HKD and CNY transactions by offering two accounts in one card so that cardholders can enjoy flexible payment.

How's the currency exchange rate of Unionpay Card?

The foreign exchange rate of UnionPay is slightly worse than Visa and Mastercard. However, credit cards issued by Visa and Mastercard charge around 2% overseas transaction fee while UnionPay doesn't charge any. Taking it into account, Unionpay's overall rate will be better.

Which merchants or regions accept UnionPay Card?

UnionPay Card is widely used in mainland China. Even in Hong Kong, most of the chain stores also accept UnionPay payment. UnionPay is also accepted by large merchants in Japan, South Korea and many other Asian countries. Nevertheless, UnionPay is not that popular in Europe and the United States, it is recommended to bring a Visa or Mastercard credit card when traveling to these regions.

Confused about credit card terms?

Glossary terms to know for first-time credit card users